ServicesNew Authority Insurance
New Authority Truck Insurance in Marietta
A new MC authority can't haul a load until the right insurance is filed with FMCSA. We set up your first policy with care, checking every name, VIN and filing so your authority goes active without delays and your first broker accepts the certificate.
Insurance for the first year under your own authority
When you apply for your own MC authority, FMCSA holds it in pending status until an insurer files proof of primary auto liability on your behalf. Until that filing posts, you can't legally haul for hire across state lines. New authority truck insurance is the policy, and the filings, that close that gap.
Underwriters treat a new venture differently from a carrier with a few years of loss history. They look harder at your CDL experience, driving record, radius, commodities and where your trucks are garaged. Small errors in that information are what slow a new authority down: a legal name that doesn't match the MCS-150, a mistyped VIN, a garaging address in Marietta when the truck actually parks in Kennesaw. We spend our time on those details before anything is submitted.
We have been in business 5 years, and new carriers are a steady part of our work. We sit down with you at our office or by phone and video, and you leave knowing what each line of the policy does.
What we set up for a new authority
Primary auto liability with the federal filing
We place the liability coverage FMCSA requires and have the insurer file the BMC-91X electronically. We then watch the FMCSA record until the filing shows as posted.
Motor truck cargo coverage
Most brokers won't load a new carrier without cargo coverage. We match the limit and any exclusions to what you actually haul, so a reefer breakdown or an unattended-vehicle clause doesn't surprise you after a claim.
Physical damage on your truck and trailer
If your equipment is financed, the lender will require it. We set stated values carefully, since an undervalued truck pays out short after a total loss.
Certificates of insurance for brokers and shippers
Your first broker setup packet will ask for a certificate with specific holder wording. We prepare each one to match the request, so setup isn't sent back.
A review before you sign
We go through deductibles, payment terms and endorsements line by line. You know what you are buying, and what you are not.
Signs it's time to call about new authority coverage
Your authority shows as pending
FMCSA has granted your MC number but is waiting on proof of coverage. The clock on your first load starts once the filing posts.
You're leaving a lease-on arrangement
Your current carrier's liability won't follow you. You'll need your own primary liability, and your bobtail policy may need to be replaced.
A broker rejected your certificate
A business name that doesn't match your FMCSA record, a missing cargo limit or an outdated policy number can stall a setup. Those are usually fixable once the details are checked.
You were declined elsewhere
Some markets won't write carriers with under a year of authority. A careful submission that shows your experience and equipment honestly can open other options.
How we build your first policy
- 1
A conversation about your operation
We ask what you haul, how far you run, who drives and where the trucks sit at night. Have your DOT number, MC number, CDL details and VINs close by.
- 2
A clean submission to underwriters
We confirm that your legal name, address and equipment match your FMCSA record before we send anything. This step takes patience, and it prevents most of the delays new carriers run into.
- 3
Quotes explained side by side
We walk you through the options, including deductibles, down payment and what each policy excludes. You choose the coverage that fits your operation.
- 4
Binding, filing and certificates
Once you decide, we bind the policy, request the federal filing and confirm it posts. Then we issue certificates for your first brokers.
What shapes a new authority premium
New authorities generally pay more in the first year because there's no loss history under the MC number yet. What you pay still depends heavily on the details you bring. We explain how each one affects your quote, so the number makes sense before you commit.
- Driver experience and record
- Years holding a CDL, especially in the same class of truck, matter a great deal. Recent violations or accidents on the motor vehicle record raise the premium.
- Radius and commodities
- Regional runs out of metro Atlanta rate differently than long-haul. Higher-value or more theft-prone freight raises cargo costs.
- Equipment and values
- The age, type and stated value of your trucks and trailers drive the physical damage premium.
- Limits and deductibles
- Carrying liability above the federal minimum, which many brokers expect, raises the cost. A higher deductible lowers it, but you'll pay more out of pocket after a claim.
New authority questions we hear often
Something not covered here? (770) 762-4540
How long until my authority goes active after insurance is bound?
Your insurer files the BMC-91X electronically, and it usually appears on the FMCSA record within a few business days. Your authority also has to clear its protest period. We check the record and let you know when the filing has posted.
Can I get coverage with less than two years of CDL experience?
Fewer markets will write it, and the premium is usually higher. A thorough submission that shows your training, clean record and equipment gives underwriters the most to work with. We'll be honest about what's realistic.
Do I need cargo coverage if FMCSA doesn't require it for my freight?
For most general freight, FMCSA does not require it, but nearly every broker and shipper will. Without cargo coverage, your load board options shrink to almost nothing.
I'm moving off a lease to my own authority. What happens to my bobtail policy?
Non-trucking liability is written for drivers leased to a carrier, and it doesn't fit once you run under your own MC number. We line up your primary liability first, then cancel the bobtail policy so there's no gap.
What should I have ready before we talk?
Your DOT and MC numbers, driver's license and CDL details for each driver, VINs, garaging address and a short description of what you'll haul and how far. Prior insurance history helps too.
Get your authority moving
Bring us your MC number and a few details about your trucks. We'll put together a careful submission and walk you through every line of the quote.